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Old 05-21-2013, 01:44 PM   #1
Singletracker77 OP
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XR650L + State Farm Ins. Madness *Help*

Okay, I've been a State Farm insuree for 15 years at least. They do me right, and I'm not changing with the rate discounts I get on my trucks and home. However, I have a problem. My agent can't figure out how to insure a XR650L. She can only quote based on "Honda" and "650cc", which makes the premium $82/mo. That's absurd. She quoted me $48/mo for a KLR650 and $48 for a DL650 V-Strom. The XR650L should be the same, if not less. I'm 35 years old with no tix/claims.

My agent and I went around and around trying to find the proper rate for the XR650L. She finally told me to find another XR650L rider with State Farm, and have that agent contact her and bring her up to speed with a model code or designation.

Please PM me of you have an XR650L and State Farm. I don't need any specifics, just the name of your agent. Or if you'd prefer I'll give you the name of my agent to pass on to yours. I'm not going to pay ~$1000+/yr to insure an XR650L.

Thanks guys.
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Old 05-21-2013, 02:05 PM   #2
MartiniUp
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I am a retired SF agent, you need a new agent, one that is competent. I am serious. Tell her to call her underwriter while you are sitting at her desk. And if that fails, get a mtcy pol only with GEICO or Dairyland Mutual. But I still say you should get a new agent.
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Old 05-21-2013, 02:11 PM   #3
Grreatdog
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Your agent isn't much of an agent. Mine had no problem insuring my 640 or my MXC200. If they can insure a race bike like my MXC to get a plate for $75/year I am sure they can handle a street legal Honda dual sport.

Option #2: ditch State Farm. Progressive threw in theft coverage for the same $75/year State Farm wanted for just liability and everything was online. Since State Farm just tripled the theft coverage on my 640 it is also going over to Progressive this month.

Yea, yea I know Progressive sucks. But so does State Farm for bikes. In 35 years of riding I have had exactly one insurance claim. That one required intervention by our state attorney general's office to get State Farm to settle the theft claim.

Since they all suck I go with the one that is cheap and easy. State Farm gets my house and cars. Progressive gets the bikes.
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Old 05-21-2013, 02:49 PM   #4
Bultaco206
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I agree with ditching your agent. Jesus, help is a phone call away, and yet they won't call?

I have 6 bikes...3 with license plates. I insure all 3 (full coverage) for less than $175/year with Geico.

And NOT insuring my bikes with my carrier made zero difference with my home and vehicles.
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Old 05-21-2013, 03:45 PM   #5
RideFreak
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New agent, I insured an XR650R w/ SF and since it wasn't in the list I asked her to list it as a 650L, it went thru no prob, yours should be able to insure a 650L as a 650L
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Old 05-21-2013, 04:10 PM   #6
Singletracker77 OP
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We went around in circles for about 2 days. I tried dairyland and the XRL is right there on the drop down menu. It was still almost $700/year. I'll try geico and prog.

I may just get the Strom or KLR. I kinda wanted the cheaper to crash XRL. I used to race harescrambles so I liked the idea of occasionally singletracking the XRL. I owned a KLR and it was fun but it beat up my ankles and wrists off road.

I pay less than $50/mo to insure my 2003 Ram 2500 that I've had for 10 years. A motorcycle should be less than a HD truck. It's a function of principle.
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Old 05-21-2013, 04:34 PM   #7
Grreatdog
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To questions: how old are you and what kind of overage are you asking for?

If you are under 30 for bikes you get hammered on cost. My agent says 25 for cars but 30 for bikes. So don't let us old timers upset you on cost. If you are young enjoy your youth and pony up the extra cash.

Also comprehensive/collision on a dual sport is expensive. Actually it is expensive on any bike. Unless you have a loan that requires more, I would never insure a dual sport for anything except minimum liability and maybe theft.
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Old 05-21-2013, 05:44 PM   #8
RideFreak
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Quote:
Originally Posted by grreatdog View Post
i would never insure a dual sport for anything except minimum liability and maybe theft.
+1
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Old 05-21-2013, 05:59 PM   #9
JUNIOR650
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Progressive

Policy period:04/13/2013 - 04/13/2014
Total premium:$103.00
Payment received:$103.00


Policy coverages:
Bodily Injury & Property Damage:$100,000 person/$300,000 accident/$50,000 property damage
Uninsured/ Underinsured Motorists Bodily Injury:$50,000 person/$100,000 accident
Medical Payments:$5,000 each person
Transport Trailer: No coverage
Vehicle coverages for 1994 HONDA XR650L :
Physical Damage Options:No coverage
Comprehensive:No coverage
Collision:No coverage
Disappearing Deductibles:No coverage
Uninsured Motorist Property Damage:No coverage
Roadside Assistance:No coverage
Accessory coverage:No coverage
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Old 05-21-2013, 11:46 PM   #10
Singletracker77 OP
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I'm 35 years old. I've owned a 2002 ZRX1200R, a 2004 ZRX1200R, a 2006 KLR650 amd a 2008 Triumph Sprint ST 1050. They were all $40-50/mo. That's why paying more than $50/mo for the XRL peeves me. My State Farm lady can't find the model. I went so far as to go to a dealer, gake a picture of the VIN amd rattle that off to her. I've jad the same insuramce agent since the 1990s, and I get huge discounts because I'm at 10+ years accident free.

I'll use a separate company for the bike if I have to. Geico quoted $55/mo so there is hope. I just would like to use one company for all my toys, as a matter of convience. I'm also hopeful that once State Farm figures out *what* I'm insuring their rate will be the best.
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Old 05-22-2013, 04:08 AM   #11
Grreatdog
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I wouldn't count on it. I have all the same discounts you do. But I pulled a Cherokee out of my SF coverage because it was liability only and they were too expensive. Same for my MXC and now for my LC4. I have zero complaints about SF homeowners or my "normal" vehicle coverage. But they suck for toys.
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Old 05-22-2013, 04:26 AM   #12
trainman
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Being pretty knowledgeable of how SF rates their bike policies I would say that your XR650L should be around $130.00 every six months for full coverage, SF only writes policies for six months. SF does not have a second bike discount, each bike will have it's own policy. Progressive on the other hand will have a second bike discount and this could affect the price of insuring more then one bike. SF requirements for insuring a bike could be affected by many things, but you have been with SF for many years, you should meet their requirements. Many SF agents are new to insuring bikes, but they should be able to call there underwriters and get the info they need for a correct quote, don't understand what yours is doing. One last thing, there are so many factors in rating insurance premiums that one persons premium can not be compared to another. Good Luck.

John
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Old 05-22-2013, 05:16 AM   #13
ADVCoop
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I have an XR650L, State Farm and pay $145/yr full coverage and I am 41. Just for reference.
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Old 05-22-2013, 05:55 AM   #14
HighwayChile
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dump the agent not the company
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Old 05-22-2013, 06:03 AM   #15
Lime
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I just got a 2009 XR650L. State Farm cost me $186.84 per year full coverage.
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